Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$348,496Cash toward the purchase price.
Closing costs + prepaids$12,723Not just lender fees.
Before credits & paid funds$361,219The complete starting cash picture.
Estimated remaining funds due at closing
$361,219No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$348,496.21
Your down payment$348,496.21
Closing costs + prepaids$12,722.79
Total buyer cash needed$361,219.00
Remaining funds due$361,219.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,790.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,197.50
Prepaid interest, first (26 days)$260.29
Fees + prepaids$12,722.79
Your down payment is the seller’s equity. You take over the $130,504 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $361,219.00 is due at closing. Uses and sources reconcile at $491,722.79 each. Not a Closing Disclosure.